Hi Jed. Ha ha. Sorry for laughing(no i`m not). Just had a letter from those nice people at Capquest. They have told me that they are now taking my account off their company system. Please wait until i wipe the tears from my eyes(tears of joy). They say they did not know about the dispute with Cap1. Funny I told them that in my first letter which they chose to ignore. So they have gone from going to put it in the hands of their solicitors to thanking me for trying to resolve the matter. A bit of knowledge goes a long way or perhaps they didn`t want to wait for the reply back from the Financial Ombudsman. Cap1 will have to deal with me themselves if i so choose. Catch you later, Lightningd

Hi Jed. Thanks for reply. This concerns an account with cap1 who brought in capquest to do their dirty work. Already got a letter to post to them mon calling their bluff. Still awaiting reply from citibank having told them of moorcrofts antics. Will keep you informed on both fronts. Regards Lightnind

Hi Jed. Just received letter from capquest saying they will accept reduced figure or start legal action on or around aug 25. As amount now is only £175 from £300 plus, might offer £10 per month or call their bluff. Undecided at present but it would get them off my back. Will report them though to oft &ts. Will also threaten them that if i find they have broken any laws will start legal proceedings against them. True to form got letter today (sat). Catch you later when i have decided. Lightningd

Hi Jed. Quite some time since i have contacted you. Moorcroft seem to have handed things back to Citibank. These sent out documents of t&cs but said due to the act of 1998 they do not have to send a signed & dated copy. Wrote back & basically laughed at them. Catch you later. Lightningd

Hi Dicky just read your reply thread, I got a letter from Capquest on behalf of Cap One. Replied to them that I would not deal with them. This is the third third party C1 have used. Asked them to set up account again themselves but will not. They sent me re- constituted documents out. One is my signature on an application form. Pages of standard t & cs. Also a copy of another document printed on the back of the letter they sent. Since then had letter from C1 saying documents are legal & I can contact FO which I intend to do. Catch you later.

Thanks dick any further info let me know if you can Regards Lightlingd

Anybody had a reconstituted copy of cca instead of original from these companies. Apparrently they can now supply you with one of these & get your details off various correspondence you may have sent them.

Hi Mike latest development is cap1 sent a scanned copy of standard agreement not signed or dated and printed on the back of their letter together with pages of t & cs. They say this is the documentation i asked for and intend to pursue debt. We both know thats not true and i am just waiting of a reply to a letter i sent them previously before i reply back to their latest joke. Catch you later, Lightningd

They should have a cca signed & dated by you. If not how can they prove the alleged debt exists. Also you need to see a statement of accounts to prove how much you owe. No contract no alleged debt. They can say you owe more money than you do. Regards Lightningd

Hi Mike . Do you just want the application form part of it uploaded or all the pages .If its the latter i will get back to you after i copy them to the laptop. Regards Lightningd

I have just been sent a copy of an application form with my signature on it instead of the original cca. They have reconstituted the agreement in a few page printout. They say they are in the process of sending me a copy of the original agreement. Why go through all this instead of sending out a copy of the original agreement unless they dont have it . How can I prove if its enforceable or not. Can anybody clarify the exact wording or conditions. This is from cap1.

Hi Spelunkerer. Got another letter from debitas saying last chance before they hand it over to another company. Probably power2contact who act for them and sent me a letter saying they had handed it back to debitas as they dont get involved in disputes. Lying gets as they will act on debitas`s instructions. They also state that they have not broken the data protection act and can hold my details on file. Again lies as account is in dispute. I have not replied bacxk to either of them. Catch you later

the address for Debitas is - P.O. Box 6459 Nottingham NG2 3FG. Hope this helps you good luck Regards Lightningd

Hi Oily. Last letter from Moorcroft asking me to send £1 to Citibank for copy of agreement. Told them not my responsibility but theirs. They say they have assisted me in every way so Ive told them why havent they complied with my requests. They say they take harrassment & bullying seriously so Ive asked them why they send out threatening letters. Catch you later.

Hi Jed. Just got another letter from moorcrofts compliance dept. They say they have assisted me in every possible way & have once again asked me to send £1 to Citibank for a copy of the original agreement. Told them the onus is on them not me & have no intentions of contacting Citibank. They also say they take harrassment & bullying seriously so I have sent a letter back asking why they send out threatening letters. Told them I now intend to ignore them until I get these documents.

Hi Oily nice to see your name on this section as well. Just had a letter from Power2contact. A third party for a third party. Capone/Debitas/ now these jokers. Its fun isint it.

They try to put you back in contact with firms you are having problems with. I got a letter from them after Capone passed over my account to Debitas who I put in their place with my last letter to them. They in turn contacted these jokers who I have just sent a letter back to putting them in their place. Do not phone them always write instead. Keep copies of your letters . Regards Lightningd

Hi Jed. Latest letter from moorcroft now from their compliance dept hoping for a speedy solution. Told them how flawed their letter was. They assured me that they are acting for a client but still do not offer any proof. They still want me to send a letter to their client for the relevent documentation but I put them straight on that one telling them where the responsibility lies. Waiting eagerly for their reply ha ha. Catch you later Regards Lightningd

Hi Oilyrag. Told you to watch this space regarding moorcroft. Just had letter from their compliance dept saying they want a speedy solution. I pointed out just how flawed their letter was & that they have not once complied with my requests & they want me to send a letter to their client asking for the relevant documentation. I told them the responsibility lies with them. They also said that they have sent me a statement of accounts which is totally false. They assure me that they are acting as agents for a client but still offer no proof. Theyve come down from pre court division to doorstep caller to compliance dept. I think im winning Catch you later.

Twice I have asked Debitas who they are acting on behalf of & they have sent an identical letter to their last one. It appears it is probably Cap1 but they refuse to say. Have now sent them a nasty letter insisting they send me official documentation which they cannot possibly have. Watch this space.

They are running scared and are quickly becoming a joke. Sticking together we will beat these jokers/chancers. As i stated earlier i have now threatened them with legal action and i await their reply. They must put up or shut up as far as im concerned.

Hello jed told you to watch this space. Got letter which is now stating agent will call round rather than pre court division. They are running scared now. Threatened to sue them for harrassment & demanding money with menaces. Sent them copy of my last letter as they chose to ignore it first time round. Once again watch this space.

Hello Oilyrag. Thanks for your reply. Just received another letter from moorcroft downgraded from pre court division to doorstep rep. Just typed out reply to them enclosing a copy of my last letter telling them that i will take my chance in court. Also re-iterated that they have ignored my letters of requests for documents & threatened them with court action for harrasment & demanding money with menaces. Told them i will no longer tolerate their attitude.

I have only sent them letters. Last one Ive told them to take me to court if they so wish. Made a few payments to them but stopped them until or if they send me documents I have asked for. In the beginning I agreed over phone to pay a certain amount after basically been threatened by them. Now Im a lot wiser. They tried to tell me because of missed payments Im in default but Ive put them straight as to who is in default. Watch this space Jed.

I have just received a pre court division letter from moorcroft. This is their third letter to me but they have twice ignored my requests for agreements to be sent to me. They even said that they had contacted their client and told me to write to their client to get these agreements. Ha Ha. Up til now they have had money off me until I found out what rights I had. Payments have stopped reason for court letter. Sending nasty letter back telling them I will take my chance in court if they want to go down that route.